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Health Insurance for Family & Individual

  • Religare Health Insurance is now Care Health Insurance
  • Annual Health Check-up
  • Up to 150% No Claim Bonus with NCB Super
  • Tax Benefit under section 80D
  • Coverage for Modern Treatments like Robotic Surgery, HIV/AIDS

Cashless Healthcare Providers


Insurance Claim
Settlement Ratio*




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Any past or ongoing medical conditions of any insured member
Any Condition, ailment or injury for which the insured person had signs or symptoms and/or were diagnosed, and/or received medical advice/treatment within 48 months prior to the first policy issued by the insurer.


7.5% OFF

10% OFF


All Members

- +
- +

CARE SAFE (For 10 Lakhs)

rupee ----/mo

(Premium includes 18% GST)

Base Cover


Additional Covers




Policy Sum Insure increases by 10% for every claim free year. The maximum increase allowed is 50% of policy Sum Insure.


Up to rs.2000 per hospitaliztion payable if advised by treating medical practioner.


We like to stay with you all the way. Our option of life long renewability helps yau stay covered for life, provided your policy is renewed on time every year.


We reimburse the room rent expenses incurred during hospitalization as per the sum Insure chosen by you.


You can add additional 50 % increase in Sum Insure for every claim free year. Maximum increase allowed is 100% of policy Sum Insure. Hence with both NCB& NCB SUPER you can increase your Policy Sum Insure upto 150% in 5 consecutive claim free years.


Sum insured amount will be re-instated in your policy every time your sum insured exhausts. And this can be availed unlimited number of times.

Co-payment Waiver

If the age of the insured member or eldest insured member is 61 years or above, by opting for this add-on, you can get rid of the 20% co-payment worry. We will pay medical expenses incurred for hospitalization subject to policy terms and conditions.

Copyright. Care Health Insurance (formerly known as Religare Health Insurance Company Limited).

Premium benefits across 5 plans

Cover Highlights

Health Check-Up

Annual health

Robotic surgery

Robotic surgery


Emergency Ambulance


(more or less than 24 hrs)



Features of Family Health Insurance arrow close
  4 Lacs 5, 7, 10 Lacs 15, 20, 25, 30, 40 Lacs 50, 60, 70, 75 Lacs 1, 2, 3, 6 Crore
In-Patient Hospitalization
Hospitalization for at least 24 hours
We pay for – room charges, nursing expenses and intensive care unit charges, surgeon's fee, doctor's fee, anesthesia, blood, oxygen, operation theater charges, etc.; If you are admitted to a hospital for in-patient care, for a minimum period of 24 consecutive hours.
Hospitalization less than 24 Hours
We cover medical expenses if you undergo a day care treatment which might not require you to stay hospitalized for 24 hours or more. As a matter of fact we cover over 540+ day care procedures.
Up to Sum Insured Up to Sum Insured Up to Sum Insured Up to Sum Insured Up to Sum Insured
We cover the relevant medical expenses such as investigative tests, routine medication, etc. incurred by you up to 30 days before your hospitalization.
30 Days 30 Days 30 Days Up to SI,30 Days Up to SI,30 Days
We cover the relevant medical expenses such as doctor consultation, Diagnostic tests, medications etc. incurred up to 60 days post your hospitalization.
60 Days 60 Days 60 Days Up to SI,60 Days Up to SI,60 Days
Day Care
We cover medical expenses if you undergo a day care treatment which might not require you to stay hospitalized for 24 hours or more. As a matter of fact we cover over 540+ day care procedures.
    Upto SI
Room Rent
We reimburse expenses occurred while you're staying in a hospital. You can also upgrade your single private room should there be a need to and is recommended by a treating doctor.
1% of SI per day Single Private Room Single Private Room
(upgradable to next level)
Single Private Room
(upgradable to next level)
Single Private Room
(upgradable to next level)
ICU Charges
We take care of ICU charges incurred during your hospitalization.
2% of SI per day No Sub-Limit No Limit No Limit ---
Ambulance Cover
In an emergency, we reimburse expenses incurred by you for availing a domestic road ambulance during your hospitalization.
Domiciliary Hospitalization
In case hospitalization is not possible , then we cover for medical expenses incurred during your treatment at home for a period exceeding 3 consecutive days.
Upto 10% of SI Upto 10% of SI Upto 10% of SI Upto 10% of SI Upto 10% of SI
Health Check-up
We give an Annual Health Check-Up for all insured members covered in the policy.
Automatic Recharge of Sum Insured
If you ever run out of your health cover due to claims made, we will reinstate the entire Sum Insured amount of your policy.
    Yes, Up to SI (Once in a Policy Year)
No Claim Bonus
We raise a cheer to good health for every year that you don't claim by increasing your Sum Insured by 10%, up to a maximum of 50% in 5 consecutive years.
Organ Donor Cover
We reimburse you the medical expenses that are incurred by an organ donor while undergoing the organ transplant surgery.
Rs.50,000 Rs.100,000 Rs.200,000 Rs.300,000 Rs.500,000
Second Opinion
If you feel uncertain about your diagnosis, you can opt for a second opinion, arranged by us.

Care complete plan details

Add-ons to cover your specific needs

We pay for your necessary ambulance expenses

See Details

Discount Connect & E-Consultations’ – the Add-on Cover you need to enhance coverage of your policy. Choose to live well today!

See Details

Not only can you monitor, but also manage diabetes with your smartphone connected glucometer.

See Details

An Add on cover for 20% Co-payment Waiver

See Details

An Add-On cover that offers coverage for various “Non-Medical expenses” such as food, transportation etc.

See Details

Get covered up to 2% of your Sum Insured for doctor consultation & diagnostic tests.

See Details

Avail hospitalization expenses outside India

See Details

Covers expenses for consultation from International Medical experts

See Details

Covers medical expenses incurred for treatment and / or quarantine for (COVID-19) with positive confirmative diagnosis from Government Authorized Centre.

See Details

You can increase your sum insured amount by 50% for every claim free year up to a maximum of 100%.

See Details

An add-on cover that offers 3 benefits claim shield, no claim bonus shield and inflation shield.

See Details

This Optional Cover reduces the applicable PED wait period from 48 months to 24 months.

See Details

An Add-On cover that takes care of expenses incurred on Doctor Consultations, Pharmacy & Investigative Tests.

See Details

Option to recharge the Sum Insured unlimited times

See Details

Family Health Insurance Plan Details

  • Minimum entry age of 91 days.

  • No upper age limit for enrollment.

  • Life long Renewability of policy under the then prevailing Health Insurance Product or its nearest substitute approved by IRDA.

  • Co-payment During purchase of the first policy, if eldest member insured is

    • Below 61 years, no co-payment is applicable.

    • 61 years or above, 20% of the claim amount under the policy has to be borne by you.

  • Premium to be paid on renewal and the subsequent continuation of cover are subject to change with prior approval from IRDA.

  • 30-day Waiting Period for claim for all illnesses, except injury.

  • Grace period of 30 days to renew your policy once it expires.

Download Terms & Conditions
  • Any diagnosis of diseases / undergoing of surgery / occurrence of event, whose signs or symptoms first occur within 30 days of Policy Period Start date.

  • Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide).

  • Expenses arising out of or attributable to alcohol or drug use/misuse/abuse

  • Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion and its consequences

  • Congenital disease

  • Tests and treatment relating to infertility and in vitro fertilization.

  • War, riot, strike, nuclear weapons induced hospitalization.


Cashless Insurance


Intimate within 24 hours of your hospitalization

Planned Hospitalization

Intimate us 48 hours prior to your hospitalization


Reimbursement Insurance Claim Form Submission


Request for pre-authorization


Claim from submission

Complete the pre-authorization form available
at the hospitals insurance/TPA Desk and send us through fax.



Approval letter sent by the claim management team



Hospital/Insured to response to the query raised by the claim management team



You may initiate the treatment and file for re-imbursement claim

Submission of claim form along with required
documents, as per the policy terms & conditions



Approval letter sent by the claim management team



Insured to response to the query raised by the claim management team



We will communicate the reason in case of rejection

11000+ health care providers serve cashless medical services across the globe

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Voice of our customer

Sulbha Ravindra

review The customer support is really good and fast. It made the experience of buying a family health insurance plan really hassle-free

Ganesh Kumar

review Good customer service by Nadeem ! Prompt answers to all the queries related to family health insurance product

Gopinathan Pillai

review It was an awesome experience. I have purchased my family health insurance policy using the app in 10 minutes. The app is so smooth. Keep it up.

Avinash Tiwari

review Hassle Free insurance buying process. Highly Recommend Care Health Insurance

Priyanka Singh

review Excellent health insurance plan! Covers annual health check-up for all family members
Ankita Sharma

My appreciation for your prompt service

At the outset I would like to express my appreciation for your prompt service in taking up the case regarding my claim. I have received your intimation regarding the acceptance of my claim and had a minor query as to what is the claim amount settled by you. Thank you. View more

Ankita Sharma

Health Insurance

Indubala Nambiar

We will continue to avail of your scheme.

Thank you for settling the claim amount. Kindly inform me when the amount is remitted to the credit of my bank account with the Bank of Baroda. We will continue to avail of your scheme when we travel abroad. View more

Indubala Nambiar

Health Insurance

Vikas Singh

Everything went very smooth

I would like to pass on my appreciation for Virender who guided me during the difficult time. He helped me at every stage and didn’t keep me waiting. Due to his efforts, I was relaxed and everything went very smooth while my wife was recovering from typhoid. Thanks Virender you are a star! View more

Vikas Singh

Health Insurance

Sahil Khattar

Really helpful explaining the process in advance

I just wanted to thank you for the exceptional response from you on the recent cashless reimbursement request related to my mother’s operation. You were really helpful explaining the process in advance before the treatment and also during the final settlement. View more

Sahil Khattar

Health Insurance

Aditya Sharma

Finalising my claim in a short period

I must express my profound appreciation for finalising my claim in a short period. I have heard of insurance companies with holding payment or rejecting it outright on very flimsy grounds as they are averse to parting with their money. It was not the case with Care health insurance. Thank you, may your tribe grow. View more

Aditya Sharma

Health Insurance

Zeroing in on a health insurance plan for your family is a tricky choice, given the number of insurers in the market who offer similar policies. It is not wise to simply choose the policy with the lowest amount of premium. You need to compare different policies, their features and benefits. Care Health Insurance (CHI) (formerly known as Religare Health Insurance Company Limited) is a specialist Health Insurer and offers products keeping in mind the needs of a customer in the event of a medical exigency. CHI offers a distinct set of benefits giving a clear choice for providing you with the best possible health insurance.

Awarded as Claims
Leader of the year

23 lakh + Claims settled*

Cashless claim processing
in approx. 2 hours

What is Family Health Insurance?

A family health insurance plan is a comprehensive insurance cover against financial risks for more than one individual in a family, during a medical emergency. It offers a specified coverage amount for a single premium payable annually. Family members usually covered in this plan include individual, spouse, and children. Dependent parents can also be included in health insurance plans for the family. Sometimes, siblings and extended family members like in-laws can also be included in such health insurance plans at an additional premium cost. Family health insurance plans offer coverage for various medical expenses including pre-and-post hospitalization, in-patient hospitalization, ambulance costs, etc.

How Important is Health Insurance for your Family?

We look towards our family when we need encouragement, love and support. Family makes us feel secure. So, it is our responsibility towards our family members when it comes to ensuring a secure future for them. Sound planning for the family household expenses is of utmost importance to prevent a financial crunch. However, unexpected expenditures in times of medical emergency can hamper a family's budget to a great extent. Thus, opting for health insurance plans for family is absolutely necessary for safeguarding one's family budget. This is particularly true, given the rising costs of quality medical care in our country.

Health insurance plans for family are designed to provide complete coverage for the medical treatment for more than one member of a family. If one member of the family is hospitalized due to an ailment or injury, the entire sum insured under this family health plan can be availed for the treatment.

Benefits of Family Health insurance Plans

When it comes to safeguarding your family, a comprehensive health insurance plan for family is the best as it provides medical cover for the entire family under a single policy. Moreover, there are a host of other benefits, as mentioned below:

  • High sum insured: The plan offers increased sum insured under a single policy as compared to the individual health plan.
  • Cashless hospitalization: Just like the individual health plans, health insurance plans for family also offer cashless treatment in the network hospitals of the insurer.
  • Affordable: Under a single premium that is paid once a year, a family health insurance plan covers the medical expenses for all the family members.
  • Option to add members: Policyholders have the option to add or change the members of the family in the same plan, also increase the sum insured, instead of availing a separate plan for the new member.
  • Tax Benefits: Policyholders of health insurance plans for family can enjoy tax deductions, under Section 80D of the Income Tax Act, on the premium they pay.

Difference Between Individual and Family Health Insurance Plans

All the health insurance plans offer medical cover during times of emergency, thus ensuring there is a financial cushion. Such plans greatly benefit when one is aiming to prevent out of pocket expenditures that often come with medical treatment.

Individual health insurance plans and family health insurance plans are similar in a way that both these plans offer coverage for medical expenses. However, there is a clear difference between these two plans. Affordability is one defining factor that gives health insurance plans for family an edge over individual health plans. Buying separate individual policies for each family member can be quite expensive as far as paying premiums are concerned. Health insurance plans for family are effective when you are focusing on minimum expenditure. That is, at a single premium you can get a high insurance cover for your family members including yourself, spouse, children, and dependent parents.

The entire coverage amount can be spent by anyone or all the members of the family. The value of the sum insured accordingly gets reduced when you make a claim for one member. However, the coverage amount of the plan is not limited to just one member as in the case of individual health insurance. Moreover, premiums of family health insurance plans are decided on the basis of the oldest member of the family whereas it is decided on the basis of one member only in individual plans.

Check: Health Insurance Premium Calculator

How to Claim your Family Health Insurance?

Here are the two ways you can claim your family health insurance:

In the case of Cashless Facility:

  • Get the pre-authorization form from the TPA Desk of the network hospital and fill all the required details.
  • Collate all the medical bills, diagnoses, and doctor's prescription.
  • Submit all the required documents along with policy claims to us.
  • Once your documents will be verified by us you receive an approval letter from our claim management team.

In the case of Reimbursement:

  • Fill claim form and attach all the required documents along with the form.
  • Submit the form and the required documents to us.
  • The claim management team may raise the query.
  • Once the team cross-check and verify the documents you get an approval letter from the claim management team.
  • After approval, your hospitalization expenses will reimburse up to the sum insured.

How to Buy Family Health Insurance plans Online?

At present, when medical inflation is galloping, and treatment costs are skyrocketing, it's wise to take a comprehensive family health insurance plan. It not only covers your medical needs but also supports you during the financial crunch. Now, it's easy to opt for health insurance plans for family online. Read below how you can buy it:

  • Enter the required details in the form given on the Care Health Insurance (formerly known as Religare Health Insurance Company Limited) website.
  • Get the quote
  • Choose the one that suits your needs
  • Fill the required details
  • Submit the required documents
  • Make online payment
  • You will receive an insurance policy on your registered email id and hardcopy through a registered post.

Tips to Choose the Right Health Insurance Plan for your Family

Investing in the right health insurance is a wise decision to protect yourself and your loved ones in case of any medical emergency. But how to choose the right plan can be an overwhelming task. Here you can read these tips that help you to opt for the health insurance policy that best suits the medical needs of your family.

Maximum Coverage: Comprehensive family health insurance policy provides maximum coverage including pre and post-hospitalization expenses, diagnosis expenses, treatment, medication, organ donor cover, chemotherapy, and radiotherapy and annual health check-ups.

Affordable Premium: Calculate the premium with the help of online premium calculators available on the website and compare what plans, covers, and riders cost you less. Choose the plan accordingly that would not overburden your pocket.

Check Exclusions: Check the exclusions list carefully before choosing a family health insurance policy. There are certain conditions when your family cannot get the claim. So, opt for the cover that offers maximum coverage with minimal exclusions.

Check the Co-Payment Clause: Before investing in health insurance plans for family it's advisable to check the co-payment clause as well. It can range between 10 to 30% of the amount that you have to pay to settle the medical bills. However, any amount over and above this will be paid by the insurer.

Network Hospitals: Check what all network hospitals are partnered with the insurance provider. It's advisable to look for the hospitals that are near to your residence and well-renowned for healthcare services.

How to Claim Tax Benefits on Family Health Insurance Plans?

You can claim tax benefits on health insurance plans for family in the following ways:

Claim on Premium:

If you are below 60 years of age, then you can claim a tax deduction up to INR 25,000 on the premium paid against health insurance for self, and if you are above 60 years of age, then you can claim up to INR 30,000 per year.

Claim on Annual Preventive Health Check-ups:

According to Section 80D, you can avail tax reduction on annual health checkups up to INR 5000 per year.

Claim on Senior Citizen Policy:

If you buy health insurance for your parents above 60 years, then you can also avail of an additional deduction up to INR 50,000.

Add On Covers with Family Health Insurance Plan

No Claim Bonus Super

By choosing an optional cover – NCB Super – you can further increase your sum insured amount by 50% for every claim free year up to a maximum of 100%. Hence – in total with both NCB & NCB Super one can increase their sum insured up to 150% in 5 years.

Everyday Care

Your family may avoid hospitalization for many years at a stretch. However, you have to be really fortunate to avoid doctor consultation for even a few months. For all the visits for all routine visits to the hospital - we give you 1% of your Sum Insured for doctor consultation & diagnostic tests each. This can be availed via a cashless health card and additional premium paid to avail this add- on cover is also applicable for tax benefit under section 80D of IT act.

Unlimited Automatic Recharge

There should never be a time when you run out of coverage, which is why by selecting this add – on cover your sum insured amount if re-instated in your policy every time your sum insured exhausts. And this can be availed unlimited number of times.

Air Ambulance Cover

The right cure may be miles away but never out of your reach with Air Ambulance Cover. For all those times when you might be recommended a treatment which is not in your city of stay.

OPD Care

One of the most beneficial add-on cover which take care of expenses incurred on doctor consultation fees, pharmacy, and investigation tests.

International Second Opinion

We believe that sometimes reassurance works better than the cure itself. Hence before going ahead with the treatment recommended, we give you an option to consult doctors and take a second opinion.

Global Coverage

Quality Healthcare cannot have boundaries. So if you ever feel the need get treated at an overseas facility, rest assured, since with this add-on cover you get Global Coverage.

FAQs on Family health insurance Plans


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Most Frequently Asked Questions

Popular Questions

Q. Why Choose Care Family Health Insurance Plan Online?

In line with our objective of ensuring good health…Hamesha! Our Comprehensive Family Health Insurance Plan – 'Care'; helps safeguard you & your family against financial risks arising out of a medical emergency. With 'Care' by your side you can be assured that while you're unwell; we'll take up all the hassles related to your treatment so that you can stay worry free and focus only on your recovery.

Q. Why should you Buy Family Health Insurance- Care?

  • With Care, you get following Key USPs which are not available anywhere else.
  • Annual Health Check-up for all members covered under the policy.
  • Up to 150% No Claim Bonus with NCB Super.
  • Unique Unlimited Automatic recharge.
  • Care anywhere – Global Cover for 12 Critical Illnesses.
  • Care is available with different riders, hence ability to fit your needs.

Q. What is the difference between Individual and Family Floater policy?

Individual health insurance policy is a health insurance plan which covers Single Person. You can buy separate policy for each of the family member. Policy benefits cannot be shared among family members. Family floater policy is a health insurance plan which covers family members in a single policy. Policy benefits are shared among the members

Q. Can you specify the relationships for which I can buy a Health Insurance Policy?

In case of Individual plan you can pay premium for Self, Spouse, Dependent Children, Dependent Parents, Brother, Sister, In-laws, Grandparents, Grandchildren, Uncle, Aunt, Nephew, Niece, or Employee. In case of Family Floater Plan you can pay premium for Self, Spouse, Dependent Children, Dependent Parents, Employee and his/her dependents (Spouse/Children/Parents)

Q. Should one choose individual or family floater health insurance plan?

Person with a family exploring market for health insurance plan will always find it little difficult to make a choice  between buying an individual health insurance policy and a family floater policy. Here's how you should choose between the two options, if you want to give your family the right level of insurance cover.

1. Price If your family is young or the age gap between the spouses is not much, then a floater plan will be cheaper. The cost advantage of a family floater insurance plan diminishes if the age gap between the spouses, or the eldest member, is huge

2. Higher cover Floater being cheaper than the individual health plan, then buying a higher cover becomes more affordable

3. Multiple Claims: In case one family member makes a claim, the cover reduces on the rest of the members. In case multiple members need to use the policy benefits  in the same year, the floater cover may not be sufficient.

4. Existing Health Conditions In case your family has a member who is not in good health and poses the risk of using up the entire sum insured then other members may be running the risk of not insured. It is recommended to buy an individual plan for such member and cover the rest of the family in floater plan

Q. Is there advantage in buying a long policy tenure?

Yes, you get discounts for choosing longer policy term. Customer is eligible for 7.5% discount for choosing 2 Years Policy Term and 10% discount for choosing 3 Years Policy Premium Term. You can change the policy premium term at the time of renewal also. The longer policy term discounts becomes more attractive if opted at the end of Age Bracket. Eg, Assume a person is Aged 45 Years. Let's  Assumed premium for person Aged 45 Years is Rs.10,000 and person Aged 46 Years is Rs.12,000 & person Aged 46 Years is Rs.12,000

Case 1: Paying Premium Yearly

Total Premium Paid = Rs.10,000+Rs.12,000+Rs.12,000 = Rs.34,000

Case 2: Paying 3 Years Premium

Total Premium Payable = Rs.10,000*3=Rs.30,000

Discount on 3 Year Policy Term : 10% ( Rs.30,000 *.10)= Rs.3,000

Net Premium Payable = Rs.27,000

You can save Rs.7,000/- by paying 3 Years premium .

Q. Can I buy multiple Health Insurance policies for me or my family?

Yes, you, can buy multiple policies. In case your treatment cost exceeds the sum insured of one policy you can claim the balance from the second policy.

Q. What is freelook cancellation period?

You can apply for Freelook cancellation from the 15 Days of the receipt of policy. Your premium will be refunded after deducting the cost of Insurance(No. of days the policy was active), Cost of Medicals, Stamp duty etc...

Q. Is there any Tax Benefit for purchasing CARE?

You can claim Tax Benefit on the premium paid for CARE policy under Section 80D of Income Tax Act 1961. Tax benefit is only available on the premium paid for policy purchased for Self, Spouse, Dependent children or Dependent Parents.

Q. How many people are covered under family health insurance?

You can cover 6 Members in a Single Policy. In case of Floater you can cover 2 Adults and 4 Children in a single policy.

Q. What are the unique benefits of Care-Family Health Insurance ?

Following are the unique benefits in my Policy

1. No Claim Bonus: Upto 150% increase in Sum Insured with No Claim Bonus SUPER option
Annual Health Check-up: Health Check-up for all insured members every year

2. Automatic Recharge: We will recharge your policy in case you exhaust your coverage due to claims.

3. Life Long renewal

4. Choice of wide range of Sum Insured to match your needs

5. Choice of optional covers like OPD CARE, EVERYDAY CARE, Unlimited Automatic Recharge by paying extra premium

Please connect with our representative to understand the benefits in details

Q. What are Waiting Periods in CARE?

CARE product comes with following waiting Periods

Initial Waiting Period: Hospitalization expenses for the treatment of diseases not covered in the first 30 Days of the policy. However hospitalization expenses for the treatment of Injury/Accident are covered from day 1

Named Ailment Waiting Period: Some of the specified diseases are covered after 24 months of continuous coverage. Some of the examples are Cataract, Hernia, Piles, ENT etc...Please refer to policy T&C for complete list

Pre-Existing Disease Waiting Period: Al treatments related to Pre-existing diseases will be covered after 48 months of continuous coverage.

Q. What is the Maximum Age for Renewing the Policy?

CARE comes with Life long renewable option

Q. Is there a Grace Period for Renewal?

Yes, You get 30 Days Grace Period to renew your policy. However any hospitalization expenses incurred during Grace period before the policy is renewed are not payable

Q. Do health insurance covers robotic surgery & modern treatments?

Inclusion of modern treatment method/advanced technology led procedures such as:

a. Robotic surgeries: Although more expensive than normal surgical procedures it offers higher precision & success rate and quicker recovery for patient.

b. Stem-cell therapy: With this Bone Marrow Transplant an advanced procedure for cancer treatment is now covered.

c. Oral Chemotherapy: Cancer Treatment which involves cure through ingestion of oral medication (capsule, tablets or liquids)

d. Intra-Vitreal Injections: Used for treatment of eye related ailments.

e. Bronchial Thermoplasty : Treatment for cases of severe asthma.

Q. Do health insurance covers Weight Loss Surgery (Bariatric Surgery)?

An excess weight-management treatment for individuals suffering from acute obesity.

Q. Is coronavirus treatment covered in Care- Health Insurance plan for Family?

Yes. Your health insurance policy for family covers hospitalisation expenses to Corona Virus (COVID-19) subject to all terms and conditions of the policy. Read FAQS on Coronavirus

Q. Is There A Cashless Facility with Family Health Insurance Plan?

Yes, cashless facility is available

Q. Where Can I Buy Health Insurance For My Family?

You can buy health insurance through digital direct to consumer, banks, NBFCs, individual agents, brokers, web aggregators, corporate agents and rural banking

Q. Why Do I Need Health Insurance for Family?

Health insurance is necessary owing to increasing medical costs these days & uncertain environment. Therefore, insuring your family against Health Insurance is a must & should surely be a part of your regular financial planning.

A family floater health insurance, as the name suggests is a plan that is made for families. Family floater health insurance plans usually covers the individual, spouse and children or Parents. In general the cost of buying floater coverage for the family is less than buying the Individual policies for each member. However in a Floater Policy the Sum Insured is shared by all members and in Individual policy each member has a separate Sum Insure

Q. What Is The Difference Between A Family Floater And Critical Illness Or Hospital Cash Insurance?

The individual or family floater health insurance works on the principle of indemnity. This means that these insurance policies will pay you only what you have spent for medical treatment in hospital. On the other hand, the critical illness or the hospital cash insurance pays you the amount insured, irrespective of the amount spent for medical treatment. These are a benefit based policies.

Q. How Would I Benefit By Buying Health Insurance At A Young Age?

Health insurance premium tends to increase with age - more the age, higher the premium.

You can be covered for medical conditions that may be diagnosed over the years provided there is no break in the policy.

In addition, each 'no claim’ year would fetch you a discount on your premium or an increase in your sum insured amount at no extra cost. The treatment in case of ‘no-claim’ bonus varies from company to company.

Lastly, income tax benefit under Section 80 D of the Income Tax Act.

Q. How Does A Floater Cover Work?

For instance a person wants a health insurance for himself, his spouse & their children; the Family Floater plan offers insurance coverage to the entire family under one premium payment. Let’s take an example wherein the person insures himself, his spouse & the dependent children with the individual insurance plans with a sum insured of Rs. 1 lakh each, he ends up paying premium ranging between Rs. 1000 - Rs. 2000 for each family member. On the other hand if the person would have opted for the family floater plan with the sum insured of Rs. 3 lakhs, the total premium would surely be less than the separate premium payments in individual health insurance plans. Moreover the separate health plan holds the cover of only Rs. 1 lakh as against Rs. 3 lakh in case of the Floater plan thus helping the family in case the medical treatment costs go beyond that. This Rs. 3 Lac is available for each of the family members individually as well as collectively.

Q. What Is a No Claim Bonus?

This concept works on the same lines as the no-claim bonus on your car insurance. A Policyholder, who hasn’t made any claim in a year, can use the bonus to their benefit the following year.

Similarly, CARE offers a 10% increase in the policy sum insured for every claim-free year, with no change in premium. So, a policy with a sum insured of Rs 5 lakh, will get an extended cover of Rs 50,000 the following year at the same premium. A claim-free third year will see him earning another ten per cent extra cover on his base sum insured, taking the total to Rs 6 lakh. A maximum bonus of up to 50 per cent is permissible.

In case of claim, the accumulated bonus is reduced by 10%.

Q. How Does The Auto Recharge Work?

We will automatically recharge the sum insured, in case the sum insured and any no claim bonus accumulated is exhausted during the policy year. The sum insured will be recharged once in a policy year. Recharge Sum Insured can be used for future claims and not against an illness/disease (including its complications) for which a claim has already been made in the current policy year.

Q. How Do I Cancel My Family Health Insurance Policy?

We offer a free look period to review your policy terms and conditions. In case you are not satisfied with these, you can request for cancellation of your policy during this period. You will be charged the pro-rated premium for the period during which your policy was in-force, the cost of pre-policy health check-up, if any, and the stamp duty. The balance premium would be refunded.

Also, you can request for cancellation of your policy at any time during the policy period. You will be refunded the premium amount as per the short scale grid. The grid is available in your Policy Terms and Conditions. However, in case you have reported any claim with us, you will not be entitled to any refund of premium on cancellation of the policy.

Q. What Is Co-Payment?

Health Insurance companies use Co-Payment after insured member turns a certain age. Co-pay is that part of your claim amount, which you have to bear. Co-pay can be in % terms or an absolute amount. For example, in case of co-pay of 20% and claim of Rs. 10,000, we will pay you Rs. 8,000 (80% of 10K) and you will bear 20% (Rs. 2,000). In Care Health Insurance policy there is No Co-payment ever, if insured with us before age of 61.

Disclaimer : Information above is just for reference. Kindly read T & C of policy thoroughly, Do refer IRDAI guidelines for tax exemption conditions.

*Claim settlement ratio is for FY 19-20 and *number of claims settled as on June 30, 2020

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